Plan your next move

Consult with our mortgage specialists and let us provide you with access to our tools and resources.

Estimates only, not a commitment to lend. Actual taxes, insurance, and PMI vary by property and lender.

How much home can I afford?

Enter your income, debts and down payment and we'll work backwards from the lender's guidelines to a realistic price range, live, no strings.

Estimated max home price$436,542Based on a 28%/43% DTI guideline
Max loan amount
$376,542
Est. monthly payment
$2,800/mo
Down payment
14%

Based on a 28%/43% DTI guideline; taxes & insurance estimated. Not a commitment to lend.

Refinance calculator

See what a new rate could do to your monthly payment, and how long it takes for the savings to pay back your closing costs.

Your loan

Enter your current mortgage, then the terms you're considering.

New monthly payment$2,340/moPrincipal & interest at the new rate and term
Current payment
$2,739
Monthly savings
$399
Break-even
16 mo

At $399/mo saved, your $6,000 in closing costs pays back in about 16 months.

Questions? Call us.

Estimates only, not a commitment to lend. Actual savings depend on your final rate, term, and closing costs.

Find Your Next Property

Miami-Dade, FL. Neighborhoods to search. Explore listings, filter by location and discover the space that fits your life or investment goals. Your next move starts here.

Guides & resources

What to gather before you apply, and the mortgage terms that matter, in plain English.

What you'll need to apply

  • Government-issued photo ID
  • Social Security number or ITIN
  • Last 2 pay stubs (most recent 30 days)
  • W-2s and tax returns, last 2 years (or 1099s / returns if self-employed)
  • 2 most recent bank statements (all pages)
  • Proof of funds for the down payment
  • A list of monthly debts (auto, student loans, credit cards)
  • 2 years of employment / residence history
  • Gift letter, only if part of the down payment is a gift

Self-employed or ITIN buyer? We have programs for you, ask us.

Mortgage terms, in plain English

APR
The yearly cost of your loan including interest plus lender fees, shown as a percentage. It usually runs a bit higher than the interest rate.
PITI
The four parts of a monthly mortgage payment: Principal, Interest, Taxes, and Insurance.
LTV (loan-to-value)
How much you're borrowing compared to the home's value, as a percentage. A $400k loan on a $500k home is 80% LTV.
DTI (debt-to-income)
The share of your monthly income that goes to debt payments. Lenders use it to gauge how much you can comfortably afford.
Escrow
An account your lender uses to collect and pay your property taxes and insurance for you, spread across your monthly payment.
Discount points
An upfront fee you can pay to lower your interest rate. One point costs 1% of the loan amount.
PMI
Private mortgage insurance, a monthly charge lenders add when your down payment is under 20%. It drops off as you build equity.
Pre-qualification vs Pre-approval
Pre-qualification is a quick estimate based on what you tell us. Pre-approval is a verified commitment after we review your documents, sellers take it far more seriously.
Fixed-rate vs ARM
A fixed-rate loan keeps the same rate for the whole term. An ARM (adjustable-rate mortgage) starts lower, then adjusts with the market after a set period.
Closing costs
The one-time fees to finalize your loan, appraisal, title, and lender charges, usually 2–5% of the purchase price.
Amortization
How your loan is paid down over time. Early payments are mostly interest; later ones are mostly principal.
Rate lock
A lender's guarantee to hold your interest rate for a set window while your loan closes, protecting you if rates rise.
Loan programsVideo library

Common questions

  • It depends on the program. FHA options commonly start around a 580 score, and conventional loans typically start around 620. Lower scores can still have options, every situation is different, so ask us before ruling yourself out.

  • Yes. Select lenders offer programs for buyers without a Social Security number who have an ITIN or work authorization. This is one of our specialties, contact us to see what you qualify for.

  • Yes. Bank-statement programs and other alternative-documentation options let self-employed borrowers qualify without traditional W-2s.

  • It varies: FHA from 3.5%, conventional from about 3–5%, and eligible buyers may qualify for 100% financing programs with no down payment.

  • Typically photo ID, proof of income (pay stubs and W-2s, or alternatives if self-employed), and bank statements. We give you a simple checklist when you get started.

  • A bank can only offer its own products. As a broker, we shop multiple lenders for your scenario, which matters most when your situation doesn’t fit the standard box.

  • Yes. DSCR loans qualify on the property’s rental income, no tax returns, W-2s, or pay stubs required.

  • Sí. Todo nuestro equipo habla español, llámenos o escríbanos por WhatsApp en su idioma.

General information only, not a loan commitment or personalized advice. Requirements vary by lender and are confirmed at application.

Still have questions?